SR22 Insurance in Texas

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SR22 Insurance in Texas
Texas SR22 is legal certified needed by drivers who have had their driver’s license suspended. The SR-22 Insurance certificate states that a driver has the state-required car insurance coverage required to have his license reinstated after being convicted of one of a few serious driving infractions, such as
  • DUI, DWI, or other major traffic violations.
  • You were involved in an accident where there was bodily injury, death, or damage to property and the driver did not have minimum liability insurance.
  • When there are unpaid legal judgments
  • Caught without auto insurance or are unable to show proof of insurance to the authorities.
  • When there are excessive violations within a short period of time
  • SR-22 policies are state specific. The rules and requirements of an SR-22 policy varies from state to state. When you obtain an SR-22 from a particular state and are required to move to a different state, here are the things you need to keep in mind:
  • Moving from Texas:
  • In case you need to move to a different state from Texas, you are required to hold the already active Texas SR-22 policy until you fulfill the required three year probation period. While you may have a policy from a different state, you will be able to file for a Texas SR-22 policy until the given probation period comes to an end.
  • Moving to Texas:
  • If you move to Texas from a different state, you are not required to file for an SR-22 with the Texas DMV. The state of Texas does not require you to carry an SR-22 filing as held by your driving history in your previous state.
    What is the minimum coverage amounts to be purchased and maintained in Texas?
    Texas requires a minimum auto insurance coverage of
  • 30,000 for injury or death of one person.
  • $60,000 for injury or death to more than one person.
  • $25,000 damage to property.
  • How do I file a SR22 insurance form in Texas?
    Your SR22 insurance in the state of Texas can be acquired from your auto insurance provider who will file your SR22 form with The Texas Department of Motor Vehicles (DMV) for a fee.

    However, if your current insurance provider does not offer SR22 insurance or you’re looking for cheap SR22 in Texas, SR22InsuranceNow can help. Just give us a call at our toll free number 888-885-3948. An SR22 specialist will get you free SR22 quotes from top providers in Texas. You can compare rates and save big!

    All this can happen just over a phone call. Once you choose the provider, they will file SR22 on your behalf with The Texas Department of Motor Vehicles (DMV) for a minimum filing fee. You will receive a copy of the form and a letter from the BMV once your SR22 insurance form filing has been accepted.
    How much does an SR-22 cost in Texas?
    In Texas, your insurance provider will charge you a filing fee of $20 to $50 to file SR22 however your car insurance premium will significantly go up due to the SR22 to account for the increased risk of claim payout.

    The increase in premium amount for your car insurance depends on the provider you choose, severity of your driving violation, your age, and other factors.

    You can check the table below to get an estimate of how much an SR22 in Texas is going to cost you –
    High-risk rating factorAverage annual rateIncrease vs. no violations
    No violations $1,415 -
    At-fault collision with damage over $2,000 $2,130 $714
    Speeding of 21-25 mph over the limit $1,651 $235
    Reckless driving $2,159 $744
    Racing $1,946 $531
    Hit and Run $2,178 $762
    DUI/DWI $2,178 $762
    How long will I need to maintain SR-22 in Texas?
    You must maintain the SR22 in Texas for a minimum of two years depending on the offense and this must be renewed at least a month or two before it expires.
    What is Non Owner SR22 Insurance in Texas?
    Non-owner SR-22 Insurance in Texas is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving.

    The cost of a non-owner SR22 insurance in Texas depends on a few factors including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

    SR22InsuranceNow can help you find top insurance providers in Texas that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 today!
    What are various SR-22 certification forms available in the state of Texas?
    There are three types of certification forms available with regard to SR-22 in the state of Texas:
  • Owner’s Certificate:
  • The owner’s certificate goes on to cover the vehicle owned by the holder of this particular certificate. You have to specify the type of vehicle that has to be insured under this form or you can opt for one that comes under “All owner vehicles”.
  • Operator’s Certificate:
  • This certificate covers the driver during the vehicle’s operation which also involves any non-owned vehicle. Whenever the operator does not directly own a vehicle, an economic obligation requirement comes into effect under the operator’s certificate.
  • Operator-owner certificate:
  • All vehicles including the ones owned and not owned by the driver gets covered under this certificate.
    How is SR-22 insurance in Texas different from the standard auto car insurance?
    The SR-22 insurance in the state of Texas is similar to the standard auto insurance coverage in many ways. The only thing that differentiates the two policies is the fact that as opposed to standard vehicle insurance, in case of SR22, the insurance company which files for the SR-22 bond on your behalf will be required by the government to inform The Texas Department of Public Safety when your policy expires.

    Also the state requires a particular set of documents via your insurance provider when you apply for the reinstatement of your driving license. This means that your insurance coverage card or your economic responsibilities proof card alone is not sufficient as a proof of financial responsibility in case of an auto accident. Your insurance provider has to provide you a distinct notification that further has to be submitted to the Texas DPS in order to revoke your license suspension.
    What is SR-22A insurance in the state of Texas?
    The SR-22A certificate is a subset of the primary SR-22 policy and it is specific to a few states including the state of Texas.

    In certain cases, the court might direct you to file for an SR-22 A insurance in order to reinstate your driving license which might have been suspended under a DUI violation.

    SR-22A requires you to pay the premium on a six month installment basis rather than the usual monthly premium for the standard SR-22 policy.
    What happens if my SR-22 lapses or is canceled in Texas?
    You are required to hold the SR-22 policy on your driver profile for a period of 3-5 years. If your policy is canceled or lapses within that time period, these are the following steps that are needed to be taken:
  • Notify your insurance company who will then get in touch with the Texas DMV to reactivate your policy.
  • In case of an expired policy, file for a policy renewal and pay the reinstatement fees.
  • Make sure that you pay your premiums on time to avoid further penalty.
  • Also note that, once you have held the SR-22 policy for the required time period as stated by the court, inform your insurance company not to file for the policy again.
  • Texas DUI/DWI Laws & Penalties
    Texas has strict DUI/DWI laws and penalties. You are not allowed to drive a motor vehicle in Texas when your BAC reaches 0.0.8 for all drivers, and 0.02 for drivers under the age of 21.

    Penalties for DUI/DWI violation include jail time up to 6 months (for first timers), fine up to $2,000 or both.

    For DUI/DWI incidents, the driver’s license gets suspended for a period of 90 days. If a person commits a DWI while a passenger younger than 15 is in the vehicle, he can face up to 6 months of jail time and a fine up to $10,000.
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